工作学习 今日: 0|主题: 12104|排名: 49 

最后发表： 西皮二黄
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多谢分享~~~

最后发表： michaelliyw
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非常感谢以上各位的分析帮助,请继续分析.

最后发表： pal2002
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裁你有跑路费吧，现在我想找个地方裁我呢

最后发表： qiang21418
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有，我就被要求提供雅思成绩了，汗。。。

最后发表： leoann
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有知道这家公司的也可以说说呀.

最后发表： miney1979
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先作预贷款

最后发表： fintchy
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中国人只善于做deliverable,而不是presentable

最后发表： Flyingself
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酒，这两天没出来散步吗？

最后发表： Flyingself
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拿到offer我立马写！

最后发表： 衣冠禽兽
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Rates go up: what you should do

August 2007
By Gillian Bullock

The Reserve Bank has hiked the cash rate another 0.25 per cent to 6.5 per cent today, a move that was largely expected by the market on the back of higher than expected inflation figures in the June quarter.

It means that for an average home loan of $250,000, you will be paying an extra $50 a month.

Calculate the effect the rise in rates on your repayments

And it won't be long before the banks and other lenders pass on this increase in rates to their customers. This will bring the standard variable rate to 8.35 per cent.

So how can you get round this additional slug? What tactics can you employ to counter the ninth consecutive rise in interest rates since December 2001.

Lisa Montgomery, head of consumer advocacy at Resi says the first thing you should do is check that you have the right loan in the first place.

"If you were paying more than 8 per cent before today's interest rate hike, then you are probably not in the right loan as there are much better deals out there," says Montgomery.

Rather than have a standard variable loan, perhaps you can look at switching to a basic loan which is a similar offering but minus the bells and whistles. For instance you may not be able to utilise a redraw facility or make extra payments without penalty.

According to financial services research group Cannex a mortgage offering features such as redraw or offset can cost you up to 0.67 per cent more than one without.

"That's equivalent to over $34,000 extra on a $250,000 loan over 25 years," says Mamta Grewal of Cannex.

Kath Bowler, financial planning policy adviser with CPA Australia says you should be wary of the extra features.

"Redraws aren't always a fast track to financial freedom," she says. "There's a risk that these facilities can turn into a residential ATM with mortgagees constantly withdrawing the excess money to fund personal expenses rather than pay off their loan faster."

While borrowers tend to be more savvy these days a recent study by CPA found that almost one in four Australians did not know the interest rate they would pay at the time of taking out their loans.

Not knowing a couple of years down the track might be almost forgivable but to not be aware when you are actually finalising the loan is a worry.

"Considering that the increasing cost of housing is making the Aussie dream of owning your own home harder to turn into reality for many people, it is almost as if people are turning a blind eye to the cost when choosing a home loan," says Bowler.

The study found that while 24 per cent did not know the interest rate on their mortgage at the time of purchase, 44 per cent did not know exactly what their rates were down the track.

But despite not knowing the actual percentage they were paying, Bowler says many people are already making higher than minimum repayments on their loan so should be able to ride the storm. Indeed the survey showed that 69 per cent of the 300+ interviewed were making additional payments so this could present some leeway.

Resi’s Montgomery says the tax cuts that were introduced on July 1 this year should go some way to offsetting the rise but those who are highly geared "will need some additional belt tightening".

It could actually be something as simple as cutting out your daily cup of coffee at work. That would save on average $15 a week which would more than cover the increase if you have a $250,000 loan.

Or Montgomery says you might consider looking at ways to reduce your commitments by consolidating debt.

Find a better interest rate at RateCity

最后发表： ccen
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拜托大家，说得时候说明是人民币还是澳币。我的汇率一直在脑袋里转呢，

最后发表： pal2002
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能偷懒的时候我一定偷懒，最近看看去。。。

最后发表： keepgoing
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最后发表： akai
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今天被一个中介毙了一下. 正处于低潮期.

最后发表： 单衣纵酒
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放到静音不就好了。

最后发表： 单衣纵酒
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Ben Woodhead | August 09, 2007

BENDIGO Bank and Adelaide Bank have pinpointed technology cost savings as an important benefit of the companies' proposed $4 billion merger.

The banks hope common core banking systems will help them achieve between $60 million and $65 million in pre-tax cost savings that are expected to be realised from the merger.

The merger, announced today, will significantly increase the scale of the two banks' IT operations and create an entity with a combined share market value of about $4 billion.

"Cost synergies will be in areas such as reducing functional overlap, IT savings and the consolidation of corporate costs," executives from the two banks wrote in a statement to the Australian Securities Exchange.

Details of how the banks will reap the anticipated technology cost savings remain scant but executives indicated that the duo would benefit from common core banking systems and shared IT services.

Bendigo Bank's computer and communications operations are significantly larger than Adelaide Bank's and, according to full year financial reports issued by the companies today, are growing at a much more rapid rate.

Bendigo's information technology costs shot up from $28.3 million a year ago to $34.8 million in 2007, the company reported.

"Information technology costs increased by 23 per cent, reflecting increases in communication lines across the network, commissioning of the new data processing centre in Bendigo and upgrading of computer hardware and software systems," Bendigo executives wrote in the bank's full year accounts.

"Communications, postage and stationary increased by $1.6 million due to growth in phone costs and higher postage volumes. Other product and delivery costs increased $2 million, including increased ATM and Eftpos network servicing costs."

Adelaide Bank, meanwhile, reported a slide in technology expenditure from $12.2 million a year ago to $10.95 million at June 30, 2007. Communications, printing and stationery costs fell from $8.4 million to $7.5 million.

"Technology and communication costs reduced by 10 per cent and 11 per cent respectively due mainly to the bank's corporate sourcing initiative, which concentrated on achieving more efficient procurement processes and more rigorous contract renegotiation," Adelaide Bank executives wrote.

最后发表： 好长的冬天
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不客气，现在不做了。

最后发表： milkzhang
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及他们的利率和产品性能?

最后发表： anglajiang
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请加我msn，交流一下用户数据采集以及软件处理方面的问题。

谢谢！

Angela

最后发表： fgyzj
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You enquire CHINA BANK. It has a Sydney branch or Hongkong' Bank.

最后发表： pal2002
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这应该是个IT方面的术语，但是我查了google，看得稀里糊涂，有谁能给简单解释一下么？

最后发表： dali
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顺利就好。

communication慢慢来， 我来这快10年了， 也还是不怎么样

最后发表： Mars
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还是学法律吧，好律师要有成文法与普通法的双重知识，先考澳洲的 再 考美国的律师，将来到美国去做反倾销的律师

最后发表： pal2002
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title is NETWORK DEVELOPMENT SPECIALIST

最后发表： singingbird
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It seems that K is the only one you DO care about now. Lucky K!

最后发表： aareon
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中东都是从战争中走来的人...能文明吗?

最后发表： dreamoz
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根本没用！
打电话 没人接。没办法直接找电业，煤气，电话公司。

最后发表： tyxzh
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记住老外的名字确实不容易

最后发表： luoyi727
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mq 的applie 才是最牛鼻的，貌似亚太第一，地狱般难读

最后发表： gongxg
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从澳币不断升值来看，澳洲经济还是蛮好的，对想找工的新移民很有利。

最后发表： shaoshuai_dl
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岁月不饶人啊，工作一天后会感觉到累了

最后发表： nana
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http://www.freeoz.org/forum/view ... &extra=page%3D2

最后发表： zhongxia198383
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UP. any comment appreciate

最后发表： xwzxueren
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今天头儿好像也提到了这个地域差异，但是我的理解是，不管在那里，对于我们来说都不是自己国家。呵呵

最后发表： sparklingcuo
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这个专业在澳洲，应该比较适合进入OFFSHORE OIL&GAS INDUSTRY。FPSO需要这种专业背景的。在西澳应该相对好找工作

最后发表： conty
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想当年应聘某C的SE，前后面试了7轮......前面都没问题，最终折在了两个小姑娘sales手里......

最后发表： 含昔米
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See http://www.productreview.com.au/showitem.php?item_id=42426 for details.

最后发表： jiaolong1123
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4年学徒制中，每年回tafe一次去拿certificate。第一年是certificate I，类推，第四年是certificate IV。如果你没有雇主，学校是不会让你学的。申请学徒无需任何经验。至于读书的tafe,我不确定是谁选择。但提供这种培训的tafe，一个城市里可能也就1，2个。

但certificate I，可能会比较特殊。我就是在参加学徒之前，自费学的。有了经验，再申请学徒很容易。寄了2份简历，一个给回信，面试，上班，1周时间。

正规的面包房，像coles, w&w, baker delight, 只要学徒，和qualified baker。有的则找baker assistant，工资要比第一，二年学徒高，但一般要经验。

最后发表： 老猫
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Stay here.
OZ is really something.
We need you.

最后发表： icesky
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肯定不是要公司教专业知识，很多manager并不懂专业，我指的是如何将专业和公司具体情况apply这个需要一个过程，这个过程是自己搞定还是有人指导呢？